Dental Insurance Plan Quotes – Virginia
Get Free Quotes on Dental Insurance in VA
There are several different types of dental insurance plans available in Virginia. Finding the most affordable dental plan for you will depend on your individual or your family’s dental care coverage needs. Do you want to compare free quotes for Virginia dental insurance and discount plans available in your area? It is easy, simply type in your zip code above to get started. Before you begin though, make sure you know what the differences are between the different types of dental insurance and discount dental plans available in VA.
Types of Dental Plans in Virginia
Dental insurance plans in Virginia fall into five different types. Choosing the plan that’s right for you will depend on your family’s needs, and the types of procedures you believe you will need. Understanding these differences will help you find an affordable dental insurance plan that works for you. The types of insurance include:
- DHMOs (Dental Health Maintenance Organization)
- PPO (Preferred Provider Organization)
- Indemnity Plans
- Discount Dental Plans
Indemnity plans are a type of “fee-for-service” plan, in which providers agree to cover a certain percentage of a UCR (Usual, Customary, Reasonable) fee. The UCR fee is essentially the average cost of dental care provided by dentists within the area. Indemnity plans may require higher out-of-pocket payments since they make reimbursements after receiving and reviewing a bill, but generally cover a significant portion of the cost of dental services. They also allow you to seek care from any dentist you wish, without having to work within a network. Be sure to familiarize yourself with each provider’s fee schedule if you’re shopping for indemnity plans, as well as how often they update their fee schedule. Indemnity plan providers in Virginia include American National, Nationwide and Delta Dental.
Discount Plans allow patients to seek unlimited dental care at a discount rate without having to fill out reimbursement forms. Discount cardholders pay an enrollment fee and a small annual or monthly fee for this discount card, and there are no caps or deductibles. Plans vary widely in terms of the discounts they provide for various procedures, and patients are typically required to pay the entire amount of the service that isn’t covered by the discount, so be sure to check each provider’s discount fee schedule. Discount plan providers in Virginia include Dominion, Patriot, Careington International, DentalSave and Aetna Dental.
(*Discount plans are not insurance and are not intended to replace health insurance.)
PPOs (Preferred Provider Organizations)
PPOs (Preferred Provider Organizations) provide a network of dentists for subscribers to choose from. These dentists agree to offer their services at a discounted rate in exchange for access to the PPO’s patient pool. The providers pay a significant portion of the discounted rate, and patients are responsible for what is left over. PPOs usually require a deductible and waiting periods for certain services, and may not offer the same coverage for dentists outside the network. Check with each provider to see what types of restrictions their plan might require. PPO providers include HumanaOne, Delta Dental, Ameritas and Nationwide.
DHMOs (Dental Health Maintenance Organizations)
DHMOs (Dental Health Maintenance Organizations) often have the lowest costs among other types of plans, but may also have higher restrictions. DHMOs pay highly qualified dentists a fixed monthly rate per patient in the pool, and patients then receive care for free or at an extremely reduced discounted rate. The idea is that dentists under this type of organization are incentivized to provide high quality preventive care in order to avoid more complex procedures. There may be a limited number of dentists available to the DHMO, and costs of care outside the organization may be much higher. Check with the provider to see how many dentists are available to the patient pool. Dominion is the only DHMO available in Virginia.